TERMS & CONDITIONS

1. PREAMBLE

Welcome to Aarog Health Records ("Aarog", "Company", "we", "our", or "us").

These Terms & Conditions ("Terms") constitute a legally binding agreement between Aarog and every person who accesses, browses, registers with, downloads, installs, or otherwise uses the Aarog website, mobile application, APIs, software, or any related services ("Services").

These Terms govern your use of the Services. By accessing or using Aarog, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional policies published by Aarog from time to time.

If you do not agree to these Terms, you must immediately discontinue use of the Services.

2. LEGAL NATURE OF AAROG

Aarog is a technology platform designed to enable users to securely store, organize, manage, retrieve, and share their personal and family health records.

For clarity, Aarog:

• is not a hospital;
• is not a clinic;
• is not a doctor;
• is not a diagnostic laboratory;
• is not a pharmacy;
• is not an insurance company;
• is not a medical practitioner;
• is not an ambulance or emergency service;
• does not provide medical diagnosis, treatment, prescriptions, or medical opinions.

Any medical decision should always be taken in consultation with a qualified healthcare professional.

3. ELIGIBILITY

To use Aarog, you represent and warrant that:

• you are at least eighteen (18) years of age or otherwise legally competent to enter into a binding agreement under applicable law;
• you have the legal capacity to accept these Terms;
• all information provided by you is true, complete, and accurate;
• your use of the Services will comply with all applicable laws.

Users below the age of eighteen (18) years may use Aarog only through a parent or lawful guardian who accepts these Terms on their behalf.

4. DEFINITIONS

Unless the context otherwise requires:

Account means the registered profile created by a User on Aarog.

Applicable Law means all laws, rules, regulations, notifications, governmental directions, and judicial orders applicable to the Services.

Family Member means any dependent, spouse, child, parent, guardian, or other individual whose health records are lawfully managed by the User through Aarog.

Health Data means any medical or health-related information uploaded or generated within the Services.

Services means all current and future features made available by Aarog.

User, You, or Your refers to every person using the Services.

5. ACCEPTANCE OF TERMS

By creating an account, installing the application, browsing the website, uploading documents, or otherwise using the Services, you agree that:

• you have read these Terms;
• you understand these Terms;
• you voluntarily accept these Terms;
• these Terms create a legally binding agreement between you and Aarog.

If you do not agree, you must immediately stop using the Services.

6. USER ACCOUNT

To access certain features, you may be required to create an account.

You agree to:

• provide accurate information;
• keep your information updated;
• maintain the confidentiality of your login credentials;
• immediately notify Aarog of any unauthorized use of your account.

You are solely responsible for all activities conducted through your account unless unauthorized access results solely from Aarog's failure to implement reasonable security measures.

Aarog reserves the right to suspend, restrict, or terminate accounts that violate these Terms or pose a security risk.

7. ACCOUNT SECURITY

You are solely responsible for safeguarding:

• your password;
• your OTPs;
• your registered mobile number;
• your registered email address;
• access to devices used to log in to Aarog.

You shall not:

• share your password or OTP with any third party;
• permit unauthorized persons to use your account;
• attempt to bypass security measures.

Aarog shall not be liable for losses resulting from your failure to maintain the confidentiality of your credentials.

8. USER RESPONSIBILITIES

You agree that you shall:

• upload only information that you are legally authorized to upload;
• ensure that the information you provide is accurate to the best of your knowledge;
• comply with all applicable laws while using the Services;
• use Aarog only for lawful purposes;
• maintain the security of your account;
• promptly update inaccurate or outdated information.

You acknowledge that you are solely responsible for the consequences of any information uploaded or shared through your account.

9. FAMILY MEMBER PROFILES

Aarog allows you to manage health records of Family Members for whom you possess lawful authority.

By creating or managing a Family Member profile, you represent and warrant that:

• you have obtained all necessary permissions or consents;
• you are legally authorized to upload and manage such information;
• the information provided is accurate.

You shall indemnify Aarog against claims arising from unauthorized creation or management of Family Member profiles.

10. OWNERSHIP OF HEALTH RECORDS

All medical records uploaded to Aarog remain the property of the User or the lawful owner of such records.

Aarog does not acquire ownership of your Health Data.

By uploading content, you grant Aarog a limited, non-exclusive, revocable license to store, encrypt, organize, display, back up, process, and transmit such content solely for the purpose of providing the Services.

Except as required by law or authorized by you, Aarog will not use your Health Data for unrelated commercial purposes.

11. MEDICAL DISCLAIMER

Aarog provides technology services only.

Aarog does not:

• diagnose diseases;
• prescribe medication;
• recommend treatment;
• interpret medical reports;
• replace professional medical advice.

Information presented through Aarog, including reminders, timelines, document organization, or any AI-assisted features, is provided for informational purposes only and must not be relied upon as medical advice.

In the event of a medical emergency, users should immediately contact the appropriate emergency medical services or a qualified healthcare provider.

12. NO DOCTOR–PATIENT RELATIONSHIP

Your use of Aarog does not create any doctor–patient, hospital–patient, therapist–patient, or healthcare provider relationship between you and Aarog.

Any interactions with healthcare professionals remain solely between you and the relevant healthcare provider.

Aarog is not responsible for the quality, accuracy, or outcome of any healthcare services provided by third parties.

13. ACCEPTABLE USE OF THE SERVICES

The Services are provided solely for lawful, personal, and authorized purposes. You agree to use Aarog responsibly and in compliance with these Terms and all applicable laws.

You may use Aarog to:

• Create and maintain your personal health record.
• Upload and organize your own medical documents.
• Manage health records of Family Members where you have lawful authority.
• Retrieve, view, and securely share your health records.
• Use reminders, document organization, and other features made available by Aarog.
• Access any additional features introduced by Aarog from time to time.

You shall not use Aarog in any manner that could interfere with the security, integrity, or proper functioning of the Services.

14. PROHIBITED ACTIVITIES

You agree that you shall not, directly or indirectly:

14.1 Illegal Activities

• Use Aarog for any unlawful, fraudulent, or unauthorized purpose.
• Violate any applicable law, regulation, or court order.

14.2 False Information

Upload or submit:

• forged medical reports;
• fabricated prescriptions;
• altered laboratory reports;
• misleading health information;
• impersonated identities;
• false emergency information.

14.3 Unauthorized Access

You shall not:

• access another user's account without authorization;
• attempt to obtain another user's credentials;
• bypass authentication mechanisms;
• exploit software vulnerabilities.

14.4 Technical Misuse

You shall not:

• reverse engineer;
• decompile;
• disassemble;
• copy source code;
• attempt to discover proprietary algorithms;
• create derivative software;
• interfere with security features.

14.5 System Abuse

You shall not:

• upload malware;
• introduce viruses;
• launch denial-of-service attacks;
• overload servers;
• interfere with network operations;
• scrape or harvest data without authorization;
• use automated bots except where expressly permitted.

14.6 Intellectual Property Violations

You shall not upload or distribute material that infringes copyrights, trademarks, patents, trade secrets, or other intellectual property rights.

14.7 Commercial Exploitation

Without Aarog's prior written consent, you shall not:

• resell the Services;
• sublicense access;
• commercially exploit the platform;
• use Aarog for unauthorized commercial data collection.

15. USER-GENERATED CONTENT

Users may upload documents, images, reports, notes, or other content ("User Content").

You acknowledge and agree that:

• You are solely responsible for all User Content uploaded through your account.
• Aarog does not routinely review or verify User Content.
• Aarog is under no obligation to monitor User Content but reserves the right to remove content that violates these Terms or applicable law.

You represent and warrant that:

• You own or have lawful authority to upload the User Content.
• The User Content is accurate to the best of your knowledge.
• Uploading the User Content does not violate the rights of any third party.

16. LICENSE GRANTED BY THE USER

By uploading User Content, you grant Aarog a limited, non-exclusive, revocable, royalty-free license to:

• store;
• encrypt;
• organize;
• index;
• display;
• process;
• back up;
• transmit; and
• delete

such User Content solely to provide the Services requested by you.

This license terminates upon deletion of the User Content, subject to applicable backup retention, legal obligations, and disaster recovery requirements.

17. INTELLECTUAL PROPERTY RIGHTS

All rights, title, and interest in the Aarog platform, including but not limited to:

• software;
• source code;
• object code;
• databases;
• application design;
• user interface;
• workflows;
• trademarks;
• trade names;
• logos;
• graphics;
• icons;
• documentation;
• text;
• proprietary technology;
• business methods; and
• confidential know-how,

are and shall remain the exclusive property of Aarog or its licensors.

Nothing in these Terms transfers ownership of any intellectual property to the User.

18. LIMITED LICENSE TO USE THE SERVICES

Subject to these Terms, Aarog grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial purposes.

You may not:

• sell;
• rent;
• lease;
• sublicense;
• distribute;
• modify;
• reproduce;
• create derivative works from; or
• exploit the Services except as expressly permitted by Aarog in writing.

19. THIRD-PARTY SERVICES

The Services may integrate with or provide access to third-party services, including but not limited to:

• cloud infrastructure providers;
• SMS gateways;
• email service providers;
• authentication services;
• payment gateways;
• notification providers;
• analytics services;
• document processing services;
• government or healthcare interoperability services (such as ABHA, if integrated in the future).

Such services are provided by independent third parties and are subject to their own terms and privacy policies.

Aarog does not control and is not responsible for the availability, content, performance, or security of third-party services.

20. AI-ASSISTED FEATURES AND DOCUMENT PROCESSING

Aarog may provide AI-assisted features as part of the Services, including, without limitation, the Aarog AI chatbot, document analysis, medical document extraction, document categorization, report summarization, prescription analysis, bill/document processing, health record organization, and related AI-assisted functionality.

These features are provided to assist you in organizing, understanding, and managing information contained in your health records. They are not intended to provide medical diagnosis, treatment, prescription, or professional medical advice.

20.1 Processing of Uploaded Documents

When you use an AI-assisted document analysis feature, the uploaded document may be securely transmitted to OpenAI or another applicable third-party artificial intelligence service provider used by Aarog to provide the requested functionality.

Such processing may include:

• extracting text and structured information from uploaded documents;
• identifying document types and categories;
• extracting information from medical reports, prescriptions, bills, and related documents;
• generating summaries of uploaded documents;
• organizing extracted information within your health records;
• generating responses or information through Aarog AI; and
• performing other processing reasonably necessary to provide the AI-assisted or document-management functionality requested by you.

20.2 Third-Party Cloud and AI Service Providers

To provide certain Services, Aarog may use third-party cloud infrastructure, document-processing services, artificial intelligence providers, or other technology service providers.

Depending on the feature you use, information contained in your uploaded documents or messages may be transmitted to these service providers for processing on Aarog's behalf.

These providers may process information solely as necessary to provide the relevant service to Aarog, subject to applicable contractual, security, privacy, and data-protection requirements.

Aarog does not authorize third-party service providers to use your health information for advertising, sale of your health information, or unrelated commercial purposes.

Where required, Aarog will disclose relevant third-party processing in its Privacy Policy and applicable in-app disclosures.

20.3 Your Permission for AI Processing

Certain AI-assisted features provided by Aarog use OpenAI, a third-party artificial intelligence service provider.

Before Aarog transmits information to OpenAI, Aarog will provide an in-app disclosure identifying:

• OpenAI as the third-party AI service provider;
• the information that will be transmitted; and
• the purpose for which the information will be processed.

For AI-assisted document analysis, the uploaded document may be transmitted to OpenAI for purposes such as document analysis, report summarization, and extraction of medicine names from prescriptions.

For Aarog AI Chat, the message or question entered by you may be transmitted to OpenAI to generate an AI response.

Aarog will obtain your explicit permission before transmitting the applicable information to OpenAI.

Acceptance of these Terms or the Privacy Policy does not by itself constitute permission to transmit information to OpenAI for AI processing.

If you do not provide permission, Aarog will not transmit the applicable information to OpenAI for that AI feature.

20.4 AI-Generated Information

AI-generated information provided through Aarog, including summaries, extracted information, classifications, answers, explanations, or other AI-generated content:

• may contain errors, omissions, inaccuracies, or incomplete information;
• may incorrectly interpret or summarize information contained in a document;
• is generated using automated systems and may not always reflect the complete contents of the underlying medical record;
• is provided for informational and organizational purposes only;
• must not be relied upon as a diagnosis, medical opinion, treatment recommendation, prescription, or emergency medical guidance; and
• should be independently verified with the original medical document and, where appropriate, a qualified healthcare professional.

You remain solely responsible for healthcare decisions made using or in connection with information presented through Aarog.

20.5 Aarog AI Chatbot Disclaimer

Aarog AI is an AI-assisted informational tool and is not a doctor, medical practitioner, healthcare provider, emergency service, or diagnostic system. Aarog AI does not establish a doctor-patient relationship and should not be used as a substitute for professional medical advice.

The medical disclaimer displayed within the Aarog AI chat interface forms part of the disclosures applicable to your use of the AI feature.

In the event of a medical emergency, do not rely on Aarog AI or any other feature of Aarog. Contact the appropriate emergency medical service, visit the nearest hospital, or contact a qualified healthcare professional immediately.

20.6 Document Analysis Disclaimer

Aarog may automatically analyze uploaded documents to extract, organize, summarize, or present information contained within them.

Automated document analysis may produce inaccurate, incomplete, incorrectly classified, or misleading results. You should always review the original document and verify important information before relying upon it.

Aarog does not guarantee that information extracted or summarized from any document will be complete, accurate, current, or medically appropriate.

21. HEALTH DATA AND THIRD-PARTY PROCESSING

Aarog handles health and medical information as sensitive information and uses reasonable technical and organizational measures designed to protect such information against unauthorized access, alteration, disclosure, or loss.

Health information may be stored and processed using Aarog's own infrastructure and trusted third-party service providers necessary to operate the Services.

Depending on the Services used by you, such providers may include:

• cloud hosting and infrastructure providers;
• database and storage providers;
• document-processing providers;
• artificial intelligence and machine-learning service providers;
• authentication and security providers;
• communication providers;
• email and SMS providers; and
• other technology providers necessary to operate Aarog.

The specific categories of information collected, the purposes of processing, categories of third parties receiving information, retention practices, deletion procedures, and applicable user rights are described in Aarog's Privacy Policy.

Aarog does not sell your health records.

Aarog does not authorize your health records to be used by third parties for advertising or unrelated commercial purposes.

22. SUBSCRIPTIONS, FEES, AND PAYMENTS

Certain Services may be offered on a paid subscription basis.

Where applicable:

• applicable pricing will be displayed before purchase;
• taxes, including GST, may be charged as required by law;
• subscriptions may renew automatically unless cancelled before the renewal date, where such functionality is offered;
• payments may be processed through authorized third-party payment providers.

All purchases are subject to the applicable Refund Policy.

For purchases made through app marketplaces (such as Google Play or the Apple App Store), refunds and cancellations may also be governed by the respective marketplace policies.

23. MODIFICATION OF SERVICES

Aarog continuously improves its Services.

Accordingly, Aarog reserves the right to:

• add features;
• remove features;
• modify functionality;
• update interfaces;
• discontinue certain Services;
• introduce new technologies;
• perform maintenance;
• suspend Services temporarily for upgrades.

Where reasonably practicable, material changes affecting users will be communicated through appropriate channels.

24. SUSPENSION OF ACCOUNT

Aarog may suspend or restrict your access to the Services, with or without prior notice, if it reasonably believes that:

• you have violated these Terms;
• your account has been compromised;
• your use poses a security risk;
• fraudulent or unlawful activity is suspected;
• continued access may adversely affect the Services, other users, or Aarog.

Where appropriate, Aarog may provide an opportunity to respond or remedy the issue before permanent action is taken.

25. TERMINATION

You may stop using the Services and request account deletion at any time, subject to the Account Deletion Policy.

Aarog may terminate or deactivate your account if:

• you materially breach these Terms;
• required by law;
• the Services are discontinued; or
• your continued use poses a significant legal, security, or operational risk.

Termination of your account does not affect rights or obligations that have accrued prior to termination, including provisions relating to intellectual property, confidentiality, indemnity, limitation of liability, dispute resolution, and any other clauses intended to survive termination.

26. DISCLAIMER OF WARRANTIES

26.1 Services Provided "As Is"

The Services are provided on an "AS IS," "AS AVAILABLE," and "WITH ALL FAULTS" basis to the fullest extent permitted under Applicable Law.

Except as expressly stated in these Terms, Aarog makes no representations or warranties, express or implied, regarding the Services.

26.2 No Warranty

To the maximum extent permitted by law, Aarog expressly disclaims all warranties including, but not limited to:

• merchantability;
• satisfactory quality;
• fitness for a particular purpose;
• uninterrupted availability;
• compatibility with every device;
• non-infringement;
• freedom from viruses or malicious code;
• complete accuracy of stored information;
• continuous accessibility of uploaded records.

26.3 No Medical Warranty

Aarog does not warrant that:

• medical records are clinically accurate;
• uploaded prescriptions are genuine;
• reports are authentic;
• reports are complete;
• reports are current;
• reminders are medically appropriate;
• timelines are medically comprehensive.

The User remains solely responsible for verifying all medical information with qualified healthcare professionals.

27. MEDICAL EMERGENCY DISCLAIMER

Aarog is NOT designed for emergency medical situations.

The User shall NOT rely upon Aarog:

• during a medical emergency;
• to obtain emergency medical treatment;
• to contact emergency responders;
• to make urgent healthcare decisions.

In case of emergency, Users must immediately contact:

• emergency medical services;
• the nearest hospital; or
• an appropriately qualified healthcare professional.

Aarog shall not be liable for any delay, injury, loss, or damage arising from reliance on the Services during an emergency.

28. USER RESPONSIBILITY FOR MEDICAL DECISIONS

All healthcare decisions remain solely the responsibility of the User and their healthcare professionals.

Users acknowledge that Aarog merely provides technology for managing health records.

The Company neither recommends nor discourages any:

• treatment;
• diagnosis;
• medication;
• surgery;
• healthcare provider;
• laboratory;
• medical procedure.

No information displayed within Aarog should be interpreted as professional medical advice.

29. LIMITATION OF LIABILITY

29.1 General Limitation

To the fullest extent permitted by Applicable Law, Aarog, its directors, shareholders, officers, employees, consultants, advisors, affiliates, licensors, service providers, agents, successors, and assigns shall not be liable for any:

• direct loss;
• indirect loss;
• incidental damages;
• consequential damages;
• punitive damages;
• exemplary damages;
• special damages;
• loss of profits;
• business interruption;
• loss of opportunity;
• loss of goodwill;
• emotional distress;
• reputational harm;
• data corruption;
• data loss;
• unauthorized access;
• cyberattack-related losses,

arising out of or relating to the use of the Services, except to the extent caused directly by Aarog's gross negligence or willful misconduct, where such limitation is not prohibited by law.

29.2 Health Decisions

Aarog shall not be liable for any injury, illness, death, medical complication, or adverse outcome resulting from:

• delayed medical treatment;
• reliance upon uploaded records;
• incorrect records;
• missing records;
• user error;
• healthcare decisions made by Users or healthcare professionals.

29.3 Uploaded Information

The Company assumes no responsibility for:

• inaccurate uploads;
• incomplete reports;
• forged documents;
• duplicate documents;
• illegible documents;
• expired reports.

29.4 Third-Party Services

Aarog shall not be liable for failures caused by third-party providers, including:

• cloud providers;
• payment gateways;
• SMS providers;
• email providers;
• telecom operators;
• internet service providers;
• government systems;
• third-party APIs;
• app marketplaces.

29.5 Device Failure

Aarog shall not be responsible for losses arising from:

• damaged devices;
• stolen devices;
• lost devices;
• rooted devices;
• jailbroken devices;
• outdated software;
• malware on user devices;
• weak passwords;
• user negligence.

29.6 Monetary Cap on Liability

To the maximum extent permitted by Applicable Law, the aggregate liability of Aarog arising out of or relating to the Services shall not exceed the total subscription fees actually paid by the User to Aarog during the twelve (12) months immediately preceding the event giving rise to the claim.

Where the User has not paid any subscription fees, Aarog's aggregate liability shall, to the extent permitted by law, not exceed INR 1,000 (Indian Rupees One Thousand).

Nothing in this clause limits liability that cannot legally be excluded under Applicable Law.

30. INDEMNIFICATION

The User agrees to defend, indemnify, and hold harmless Aarog, its directors, officers, employees, affiliates, consultants, licensors, agents, successors, and assigns from and against any claims, losses, liabilities, damages, costs, expenses, fines, penalties, or reasonable legal fees arising from:

• violation of these Terms;
• misuse of the Services;
• unauthorized access;
• infringement of intellectual property;
• unlawful upload of documents;
• false medical information;
• fraudulent activity;
• breach of any applicable law;
• disputes relating to Family Member accounts managed by the User.

This indemnity survives termination of these Terms.

31. FORCE MAJEURE

Aarog shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to:

• natural disasters;
• floods;
• earthquakes;
• fires;
• pandemics;
• epidemics;
• war;
• terrorism;
• riots;
• civil unrest;
• strikes;
• government actions;
• internet outages;
• cyberattacks;
• power failures;
• cloud service disruptions;
• failures of telecommunications infrastructure.

Performance of the affected obligations shall be suspended for the duration of such event.

32. CONFIDENTIALITY

The Company shall use reasonable measures to protect confidential information processed through the Services.

Users also agree not to disclose any confidential or proprietary information belonging to Aarog, including but not limited to:

• source code;
• security architecture;
• internal documentation;
• algorithms;
• business processes;
• pricing strategies;
• technical specifications,

except where disclosure is required by Applicable Law.

33. PRIVACY

Collection, storage, processing, disclosure, retention, deletion, and transfer of Personal Data shall be governed by Aarog's Privacy Policy.

By using the Services, Users acknowledge that they have read and accepted the Privacy Policy.

In the event of any inconsistency between these Terms and the Privacy Policy with respect to data processing, the Privacy Policy shall prevail to that extent.

34. RECORD RETENTION

Aarog may retain certain records after account closure where necessary:

• to comply with legal obligations;
• to resolve disputes;
• to enforce these Terms;
• to prevent fraud;
• to maintain security logs;
• to satisfy regulatory requirements.

Such retained information shall continue to be protected in accordance with the Privacy Policy.

35. ACCOUNT DELETION

Users may request deletion of their account in accordance with Aarog's Account Deletion Policy.

Deletion requests may be subject to:

• identity verification;
• applicable legal retention requirements;
• pending investigations;
• fraud prevention measures.

Deletion of an account may result in permanent loss of access to associated Health Data, subject to any retention required by law.

36. GOVERNING LAW

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of India, without regard to any conflict of law principles.

Users accessing Aarog from jurisdictions outside India are responsible for ensuring that their use of the Services complies with the laws applicable in their respective jurisdictions.

Nothing in these Terms shall prevent Aarog from complying with mandatory legal obligations applicable under any jurisdiction where it lawfully operates.

37. DISPUTE RESOLUTION

37.1 Good Faith Resolution

If any dispute, controversy, claim, or disagreement arises out of or in connection with these Terms or the Services, the Parties shall first attempt to resolve the dispute amicably through good-faith negotiations.

The User may contact Aarog through the designated Grievance Officer or Customer Support.

Both Parties shall make reasonable efforts to resolve the dispute within 30 (Thirty) days from the date the dispute is formally notified.

37.2 Arbitration

If the dispute is not resolved amicably, it shall be referred to and finally resolved by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended from time to time.

• The arbitration shall be conducted by a sole arbitrator mutually appointed by the Parties. If the Parties fail to agree on the appointment within thirty (30) days, the appointment shall be made in accordance with applicable law.
• The seat and venue of arbitration shall be Chandigarh, India, unless Aarog determines another venue in writing with the User's consent.
• The arbitration proceedings shall be conducted in the English language.
• The arbitral award shall be final and binding on both Parties.

Nothing in this clause prevents either Party from seeking interim or injunctive relief from a court of competent jurisdiction where necessary.

38. JURISDICTION

Subject to the arbitration provisions above, the courts having jurisdiction over Chandigarh, India shall have exclusive jurisdiction over matters relating to:

• interim relief;
• enforcement of arbitral awards;
• matters not capable of arbitration under applicable law; and
• any proceedings where exclusive court jurisdiction is mandated by law.

39. ELECTRONIC ACCEPTANCE

You acknowledge and agree that:

• "I Agree", "Accept", "Continue", "Register", or any similar electronic confirmation;
• creating an account;
• logging into the Services; or
• continuing to use the Services,

constitutes your electronic acceptance of these Terms and creates a legally binding agreement between you and Aarog.

Electronic records and electronic acceptance shall have the same legal effect as physical signatures to the extent recognized under applicable law.

40. COMMUNICATIONS

By using the Services, you consent to receive communications from Aarog through:

• email;
• SMS;
• WhatsApp (where enabled);
• push notifications;
• in-app notifications; or
• other electronic means.

These communications may include:

• security alerts;
• OTPs;
• service notifications;
• account-related information;
• policy updates;
• legal notices; and
• important announcements.

You may opt out of promotional communications where legally permitted, but you cannot opt out of essential communications relating to the operation or security of your account.

41. AMENDMENTS TO THE TERMS

Aarog reserves the right to amend, modify, update, or replace these Terms at any time to reflect:

• changes in applicable law;
• technological developments;
• new features or services;
• security requirements;
• operational needs.

Where changes are material, Aarog will make reasonable efforts to notify Users through appropriate channels.

Your continued use of the Services after the effective date of the updated Terms constitutes acceptance of the revised Terms.

42. ASSIGNMENT

You may not assign, transfer, sublicense, or otherwise dispose of any rights or obligations under these Terms without Aarog's prior written consent.

Aarog may assign or transfer its rights and obligations under these Terms, including in connection with:

• a merger;
• acquisition;
• corporate restructuring;
• sale of assets; or
• internal reorganization,

provided that such assignment does not materially reduce the protections afforded to Users under these Terms.

43. WAIVER

Failure or delay by Aarog in exercising any right or remedy under these Terms shall not constitute a waiver of that right or remedy.

Any waiver shall be effective only if made in writing and signed by an authorized representative of Aarog.

A waiver of one breach shall not be deemed a waiver of any subsequent or continuing breach.

44. SEVERABILITY

If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be deemed modified or severed to the minimum extent necessary.

The remaining provisions shall continue in full force and effect.

45. SURVIVAL

The following provisions shall survive the termination or expiration of these Terms:

• Intellectual Property;
• Confidentiality;
• Privacy;
• Limitation of Liability;
• Indemnification;
• Governing Law;
• Dispute Resolution;
• Arbitration;
• Jurisdiction;
• Record Retention;
• Payment Obligations (if any);
• Force Majeure; and
• any provision that by its nature is intended to survive termination.

46. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, End User License Agreement (EULA), Consent for Processing Health Data, Account Deletion Policy, Cookie Policy, Refund Policy (where applicable), and any other policies expressly incorporated by reference, constitute the entire agreement between Aarog and the User regarding the Services.

They supersede all prior discussions, understandings, representations, or agreements relating to the subject matter.

47. NO PARTNERSHIP OR AGENCY

Nothing contained in these Terms shall be construed as creating any:

• partnership;
• joint venture;
• employment;
• franchise;
• fiduciary relationship; or
• agency

between Aarog and the User.

Each Party acts as an independent contracting party.

48. CONTACT INFORMATION

For questions relating to these Terms or the Services, Users may contact Aarog through the official support channels published on the website or mobile application.

49. GRIEVANCE REDRESSAL

In accordance with applicable Indian law, Aarog shall designate a Grievance Officer.

Grievance Officer

• Name: Arpan Gupta
• Email: support@aaroghealthrecords.com
• Registered Office: 206, Millenium Garden, Peer Muchalla, Zirakpur, Punjab

50. HEADINGS

Section headings are inserted for convenience only and shall not affect the interpretation of these Terms.

51. LANGUAGE

These Terms are drafted in the English language.

If Aarog provides translations in other languages, the English version shall prevail to the extent permitted by applicable law in the event of any inconsistency.

52. EFFECTIVE DATE

These Terms shall become effective on the date specified at the beginning of this document and shall continue in force until replaced or withdrawn by Aarog.

USER ACKNOWLEDGEMENT

By accessing or using Aarog Health Records, you acknowledge that:

• You have carefully read these Terms & Conditions.
• You understand your rights and obligations.
• You agree to comply with these Terms.
• You consent to the processing of your information in accordance with the Privacy Policy.
• You understand that Aarog is a technology platform for managing health records and does not provide medical diagnosis, treatment, prescriptions, or emergency healthcare services.